问HN：你们是如何处理那些不按时付款的客户的？
我在一家公司担任供应链职位，同时在业余时间开发一个B2B工具。我在工作和家族企业中遇到的一个问题是，追讨逾期发票的过程既繁琐又尴尬，没人有一个好的系统来处理这个问题。
我与大多数小企业交流后发现，他们通常采取三种做法：发送QuickBooks/Xero的自动提醒，希望能有所成效；当提醒无效时，自己通过WhatsApp发送消息；或者因为人际关系比现金更重要而选择不去追讨。
我对第二种做法很感兴趣。WhatsApp确实有效——消息会被阅读，也会得到回复——但这个过程完全是手动的，且人们的执行不一致。
我很好奇这里的创始人和运营者们实际是怎么做的。有没有有效的工具？你们是否找到了一种工作流程，让追讨款项的过程不再像是在乞求自己的钱？
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I run a supply role at a company during the day and I'm building a B2B tool on the side. The problem I keep running into — both at work and in my family's business — is that chasing overdue invoices is manual, awkward, and nobody has a good system for it.
Most small businesses I've talked to do one of three things: send the QB/Xero auto-reminder and hope for the best, send a WhatsApp message themselves when the reminder doesn't work, or just let it slide because the relationship feels more important than the cash.
The second one is interesting to me. WhatsApp works — it gets read, it gets replies — but it's completely manual and people do it inconsistently.
Curious what founders and operators here actually do. Are there tools that work? Have you found a workflow that doesn't feel like you're begging for your own money?